Coat a medium skillet with cooking spray. Add the turkey and onion. Cook over medium heat, stirring occasionally, for about 5 minutes, or until the turkey is no longer pink. Add the refried beans and stir to combine.

Spread the turkey mixture evenly in the prepared baking pan. Top with the diced peppers. Sprinkle with 1 cup of the mozzarella and 1/2 cup of the Cheddar. Cover with the mixed tomatoes and peppers.

If you're keeping a close watch on your sodium intake, you can eliminate about 135 milligrams per serving by using only 1 cup mozzarella and replacing the canned chile peppers with 1/4 cup chopped fresh jalapeno or serrano peppers and the canned mixed tomatoes and peppers with 1 cup chopped fresh ripe tomatoes.

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